East County Schools Federal Credit Union

Overview / Commentary

www.eastcountyschools.org

619-588-1515

1069 Graves Ave Ste 100
El Cajon, CA 92021-4573

East County Schools Federal Credit Union is headquartered in El Cajon and is the 139^th largest credit union in the state of California. It is also the 1,435^th largest credit union in the nation. It was established in 1956 and as of March of 2019, it had grown to 17 employees and 4,367 members at 2 locations. East County Schools Federal Credit Union's CD rates are 40% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in East County Schools Federal Credit Union is open to employees who work in or are retired from public or private educational institutions in 13 San Diego East County school districts. Eligibility also extends to immediate family members.
See current membership details

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Health

Data as of Q1 2019

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Health Grade Components

Overall
NCUA #	11099
Year Chartered	1956
Employees	17
Primary Regulator

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	7.38%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$125.1MM$111.4MM
Loans	Q1 2019vs Q1 2018	$79.5MM$76.0MM
Deposits	Q1 2019vs Q1 2018	$110.2MM$100.0MM
Equity Capital	Q1 2019vs Q1 2018	$10.4MM$9.6MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$328.00K$257.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$46.00K$57.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

East County Schools Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$5	-	IRA Shares
0.10%	$5	-	Primary Share Savings

East County Schools Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	$250k	Platinum Access Money Market
OTHER TIERS: 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k
0.20%^*	$25k^*	-	Money Market Shares
OTHER TIERS: 0.05% → $1k - $2.5k \| 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k

East County Schools Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	-	$2.5k	e-Checking - Qualifying
OTHER TIERS: 0.10% → $10k+ \| 0.25% → $5k - $10k \| 2.50% → $2.5k - $5k
0.01%	-	-	Regular Checking (Share Draft)

East County Schools Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$10k^*	-	60 Month CD
OTHER TIERS: 2.12% → $1k - $10k
1.87%^*	$10k^*	-	48 Month CD
OTHER TIERS: 1.81% → $1k - $10k
1.76%^*	$10k^*	-	36 Month CD
OTHER TIERS: 1.71% → $1k - $10k
1.51%^*	$10k^*	-	24 Month CD
OTHER TIERS: 1.46% → $1k - $10k
1.51%^*	$10k^*	-	30 Month CD
OTHER TIERS: 1.46% → $1k - $10k
1.36%^*	$10k^*	-	18 Month CD
OTHER TIERS: 1.31% → $1k - $10k
1.26%^*	$10k^*	-	12 Month CD
OTHER TIERS: 1.21% → $1k - $10k
0.80%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.75% → $1k - $10k
0.70%^*	$10k^*	-	3 Month CD
OTHER TIERS: 0.65% → $1k - $10k

East County Schools Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$10k^*	-	60 Month IRA
OTHER TIERS: 2.12% → $1k - $10k
1.87%^*	$10k^*	-	48 Month IRA
OTHER TIERS: 1.81% → $1k - $10k
1.76%^*	$10k^*	-	36 Month IRA
OTHER TIERS: 1.71% → $1k - $10k
1.51%^*	$10k^*	-	24 Month IRA
OTHER TIERS: 1.46% → $1k - $10k
1.51%^*	$10k^*	-	30 Month IRA
OTHER TIERS: 1.46% → $1k - $10k
1.36%^*	$10k^*	-	18 Month IRA
OTHER TIERS: 1.31% → $1k - $10k
1.26%^*	$10k^*	-	12 Month IRA
OTHER TIERS: 1.21% → $1k - $10k
0.80%^*	$10k^*	-	6 Month IRA
OTHER TIERS: 0.75% → $1k - $10k
0.70%^*	$10k^*	-	3 Month IRA
OTHER TIERS: 0.65% → $1k - $10k

Locations

East County Schools Federal Credit Union Locations
Branch Office	1069 Graves Ave Ste 100	El Cajon, CA 92021-4573
Branch Office	8313 La Mesa Blvd	La Mesa, CA 91942

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